Pet Financing – HSMC Ohio http://hsmcohio.com/ Tue, 17 May 2022 16:34:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://hsmcohio.com/wp-content/uploads/2021/04/default-150x150.png Pet Financing – HSMC Ohio http://hsmcohio.com/ 32 32 Dallas passes ordinance banning sale of cats and dogs https://hsmcohio.com/dallas-passes-ordinance-banning-sale-of-cats-and-dogs/ Tue, 17 May 2022 16:34:00 +0000 https://hsmcohio.com/dallas-passes-ordinance-banning-sale-of-cats-and-dogs/ DALLAS — Those looking to add a furry friend to their family will need to look beyond the Dallas pet stores. On Wednesday, the Dallas City Council passed an ordinance banning the sale of puppies and kittens in city pet stores. What do you want to know The ordinance prohibits the sale of puppies and […]]]>

DALLAS — Those looking to add a furry friend to their family will need to look beyond the Dallas pet stores. On Wednesday, the Dallas City Council passed an ordinance banning the sale of puppies and kittens in city pet stores.


What do you want to know

  • The ordinance prohibits the sale of puppies and kittens in city pet stores
  • Petland Dallas owner Jay Suk says he doesn’t buy his puppies from puppy mills, only licensed breeders
  • Suk has filed a lawsuit against the Texas state director of the Humane Society of the United States over derogatory comments he says led to the order

“While Dallas is a place where businesses can thrive and it’s clearly lucrative, we also need to be aware of the trends and practices around this issue,” said District 13 Councilman Gay Donnell Willis. Even with a modified adoption ordinance, residents can still get a puppy or kitten of their choice in Dallas.They can either adopt or rescue an animal from one of Dallas’ many shelters and give a home to them. that animal… or they can search for a breeder to find a pet they love.

PetLand Dallas, owned and operated by Jay Suk, has been in operation for 14 years providing various breeds of puppies to those in and around Dallas. This order endangered his minority-owned pet store. Suk, who came to the United States from Korea in 1999, said he did so to seek greater opportunities.

“This store has supported my family, my 30 employees and the Dallas community for 14 years. My store has generated $2.4 million in tax revenue for the city over the past three years. The city plans to ban the retail sale of puppies, which will put the entire PetLand family out of business.

Yuk said customers wishing to purchase puppies received the breeder’s most recent inspection report. He denied any allegations of using puppy mills to supply his store. He told the council that by closing his store, shoppers would get more puppies from places like Craigslist, giving backyard breeders more room to grow.

“I understand the goal is to stop puppy mills. No one should buy from puppy mills. I really support this call. However, we only work with responsible, approved and controlled breeders. My breeders are licensed and inspected by the USDA.

Current PetLand employees saw Sales Manager Dominique Connor express her support for the family business and its employees at the meeting.

“When you close our store, you close an opportunity for a parent to bring their child, to find the right breed that fits that child’s special needs,” she said. “When you close our store, you close the opportunity for people to learn step by step what it’s like to train their pet, what it’s like for them to spend the first few days figuring out what it’s like. than caring for an animal.

She said closing PetLand would prevent them from helping thousands of people who need advice on pet ownership and relying on their expertise as pet lovers. Connor also discussed the financial assistance the store offers while hoping to own a pet.

“When you close our store, you close the opportunity for people to be financially aware and responsible in choosing how they pay for their pet – whether they decide to pay in full or use many of our financial options” , she said. “Choice is key. The client decides which financial option best suits their lifestyle.

Twenty-eight people have signed up to speak at public comments on the issue, including several animal rights groups in favor of the ordinance.

“Real breeders who actually care for animals and have a license need not worry [about] this ban, because they’re doing it the right way,” Sandra Luhring, director of the Humane Society of Dallas County, told Spectrum News 1. “This ban will hopefully slow down the backyard breeders there. for money.

During the meeting, attorneys on behalf of Yuk announced a lawsuit against Lauren Loney, Texas State Director of the Humane Society of the United States and a supporter of the order. The lawsuit alleges that Loney made disparaging remarks about Yuk’s business practices, which led the Dallas City Council to change the ordinance:

An ordinance amending Chapter 7, “Animals,” of the City of Dallas Code by amending Sections 7-1.1, 7-4.2, 7-4.5, 7-4.10, and 7-8.1; (1) prohibit the sale of dogs and cats in pet stores; (2) provide for a penalty not exceeding $500; provide for a safeguard clause; (3) provide for a severance clause; and (4) provide an effective date. Financing: No fees considered (see Tax Information)

In a statement given to Spectrum News 1, Elizabeth Kunzelman, vice president of legislative and public affairs at PetLand, said they are exploring all legal avenues to challenge this ordinance and are working with the city to reach a ” fair and reasonable solution”. .”

“Make no mistake; the allegations against Mr. Suk are false, so the closure of this minority-owned business is unfair and unjust to our employees and their families,” Kunzelman said.

Loney spoke during the public comment portion of the meeting, insisting that PetLand Dallas continues to buy puppies from factories in the Midwest – two of which landed on HSUS’ The Horrible Hundred report this year. . Although she did not provide the names of the grinders in question, she alleged that one site had nearly 300 puppies and dogs while the other had around 200. She said each had quotes of conditions dangerous and unclean for dogs on site. Despite her displeasure with PetLand Dallas’ choices, she didn’t leave the podium before saying she hoped the store would stay open.

“I sincerely hope that Dallas Petland will keep its doors open to this city, retain its employees, and continue to serve this community under the pet-friendly product and service model rather than the inhumane model they currently use.” , Loney said.

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PT Bank Mandiri (Persero) Tbk (OTCMKTS:PPERY) vs. Dnb Asa (OTCMKTS:DNHBY) Financial Contrast https://hsmcohio.com/pt-bank-mandiri-persero-tbk-otcmktsppery-vs-dnb-asa-otcmktsdnhby-financial-contrast/ Sun, 15 May 2022 05:45:53 +0000 https://hsmcohio.com/pt-bank-mandiri-persero-tbk-otcmktsppery-vs-dnb-asa-otcmktsdnhby-financial-contrast/ PT Bank Mandiri (Persero) Tbk (OTCMKTS: PPERY – Get a rating) and Dnb Asa (OTCMKTS: DNHBY – Get a rating) are both finance companies, but which is the better investment? We will compare the two companies based on their risk strength, earnings, analyst recommendations, institutional ownership, valuation, dividends and profitability. Profitability This table compares the […]]]>

PT Bank Mandiri (Persero) Tbk (OTCMKTS: PPERYGet a rating) and Dnb Asa (OTCMKTS: DNHBYGet a rating) are both finance companies, but which is the better investment? We will compare the two companies based on their risk strength, earnings, analyst recommendations, institutional ownership, valuation, dividends and profitability.

Profitability

This table compares the net margins, return on equity and return on assets of PT Bank Mandiri (Persero) Tbk and Dnb Asa.

Net margins Return on equity return on assets
PT Bank Mandiri (Persero) Tbk N / A N / A N / A
dnb asa N / A N / A N / A

Risk and Volatility

PT Bank Mandiri (Persero) Tbk has a beta of 0.9, which means its stock price is 10% less volatile than the S&P 500. Comparatively, Dnb Asa has a beta of 1.54, which means that its stock price is 54% more volatile than the S&P 500. S&P 500.

Benefits and evaluation

This table compares the revenue, earnings per share and valuation of PT Bank Mandiri (Persero) Tbk and Dnb Asa.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
PT Bank Mandiri (Persero) Tbk $7.87 billion N / A $1.96 billion N / A N / A
dnb asa $8.63 billion 3.71 $2.93 billion N / A N / A

Dnb Asa has higher revenue and profit than PT Bank Mandiri (Persero) Tbk.

Analyst Recommendations

This is a summary of the current ratings and recommendations for PT Bank Mandiri (Persero) Tbk and Dnb Asa, as provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
PT Bank Mandiri (Persero) Tbk 0 0 0 0 N / A
dnb asa 2 2 1 0 1.80

Dnb Asa has a consensus target price of $125.00, suggesting a potential upside of 505.62%. Given Dnb Asa’s likely higher upside, analysts clearly believe that Dnb Asa is more favorable than PT Bank Mandiri (Persero) Tbk.

Insider and Institutional Ownership

0.1% of Dnb Asa shares are held by institutional investors. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.

Dividends

PT Bank Mandiri (Persero) Tbk pays an annual dividend of $0.35 per share and has a dividend yield of 3.3%. Dnb Asa pays an annual dividend of $0.81 per share and has a dividend yield of 3.9%.

Summary

Dnb Asa beats PT Bank Mandiri (Persero) Tbk on 7 of the 7 factors compared between the two stocks.

About PT Bank Mandiri (Persero) Tbk (Get a rating)

PT Bank Mandiri (Persero) Tbk provides various retail and corporate banking products and services in Indonesia, Singapore, Hong Kong, Timor Leste, Shanghai, Malaysia, UK and Cayman Islands. It offers savings and current accounts, term deposits, demand deposits and foreign currency savings and current accounts; motorcycle loans, mortgages and housing loans, as well as loans for various purposes, such as education, home improvement, marriage, health and other personal needs; and working capital loans, investment loans, business loans, syndicated loans and micro business loans for businesses. The Company also offers investment products including mutual funds, stock and bond trading; life, health and casualty insurance products; credit, debit and corporate cards; online banking services; digital loan; cash management services; trade finance services, value chain, supply chain management, global and domestic trade, export and import, stand-by letter of credit and bank guarantee, as well as spot and foreign exchange services; day care services; treasury services, including cash transactions/cash, hedging and investment products; fiduciary services including fiduciary, paying agent, security agent, escrow agent, monitoring agent and receiving bank services; and money transfer, remittance services and venture capital financing. As of December 31, 2021, it operated 2,609 branches, including 137 branches, 2,465 sub-branches and 7 overseas branches; and 13,087 ATM facilities. The company was founded in 1998 and is based in Jakarta, Indonesia.

About Dnb Asa (Get a rating)

Logo Dnb AsaDNB ASA provides various banking products and services to individuals and businesses in Norway and abroad. The Company offers savings and investment products, including savings accounts, investment accounts, home savings products, stocks, retirement savings, fixed rate deposits, exchange-traded, bonds and commercial paper, mutual funds and asset management services; and lending, such as home mortgages, auto and consumer loans, trade finance and export finance, as well as overdraft facilities, bank guarantees and leasing and factoring. It also provides various maps; a line of insurance products including car, boat, automobile, household contents, home, vacation home, travel and life insurance products, as well as pet insurance for cats and dogs; and pension plans. In addition, the Company offers advisory and financing services in investment banking, such as mergers and acquisitions, and equity and debt capital markets for corporates and private equity firms; and Foreign Exchange and Cash, Cash Management, Research, Commodities, Equity, Corporate Finance, Interest Rates, Securities, Real Estate Brokerage, and Internet and Mobile Banking. It offers its products and services to various sectors, including energy; financial institutions; Health care; manufacturing; packaging and forest products; Seafood; shipping, offshore and logistics; and telecommunications, media and technology. The Company distributes its products and services through its branches, in-store postal and banking outlets, and post office counters. DNB ASA was founded in 1822 and is headquartered in Oslo, Norway.



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One week after disclosing layoffs, BridgeBio signs initial $90 million cancer R&D pact with Bristol Myers – Endpoints News https://hsmcohio.com/one-week-after-disclosing-layoffs-bridgebio-signs-initial-90-million-cancer-rd-pact-with-bristol-myers-endpoints-news/ Thu, 12 May 2022 13:07:00 +0000 https://hsmcohio.com/one-week-after-disclosing-layoffs-bridgebio-signs-initial-90-million-cancer-rd-pact-with-bristol-myers-endpoints-news/ BridgeBio has located the bridge to greener pastures, specifically Bristol Myers Squibb’s sumptuous purple. The two are collaborating in a deal giving the revamped biotech an upfront payment of $90 million, a capital injection that comes a week after the Palo Alto, California-based biotech disclosed $23 million to $25 million. dollars of restructuring costs. The […]]]>

BridgeBio has located the bridge to greener pastures, specifically Bristol Myers Squibb’s sumptuous purple.

The two are collaborating in a deal giving the revamped biotech an upfront payment of $90 million, a capital injection that comes a week after the Palo Alto, California-based biotech disclosed $23 million to $25 million. dollars of restructuring costs. The move also included the licensing of six programs, a series of layoffs, consolidation of facilities and other activities in a major rerouting.

A deal with BMS could put BridgeBio back on track after a major Phase III setback last year for acoramidis, a drug intended to slow the progression of the rare disease TTR amyloidosis. The duo will work together on BBP-398, an SHP2 inhibitor, for various oncology programs. The inhibitor is thought to contribute to various cancers, is a source of resistance to targeted therapies, and plays a role in suppressing immunity against tumors.

The $90 million is just a small portion of the $905 million that BridgeBio can earn from the partnership, if all milestones go through, and more in tiered royalties for teens if the drug hits the market. The two arms linked last summer on experimental cancer treatment, with a non-exclusive, co-funded clinical collaboration to combine BBP-398 with BMS’s Opdivo in patients with advanced solid tumors with KRAS mutations.

BridgeBio will continue to lead the ongoing phase I studies of monotherapy and combination therapy. After those trials, BMS will take over funding for all further development and commercial work, the companies said Thursday. If BridgeBio wants higher royalties, however, it could choose to fund some of the development costs once registration studies are launched.

Rupert Vessey

“We saw the potential role that SHP2 inhibition could play in unlocking potential combination therapies to treat patients with various cancers. We hope this collaboration with BridgeBio will help us maximize the possibilities of SHP2 inhibition with BBP-398 for patients,” said Rupert Vessey, senior vice president of research and early development at BMS, in a press release. hurry.

The drug was founded through a collaboration with the University of Texas MD Anderson Cancer Center. LianBio and BridgeBio have also partnered for the development and commercialization of the treatment in mainland China and other parts of Asia. These studies focus on non-small cell lung cancer and colorectal and pancreatic cancer. The drug is also part of a combination trial with Amgen’s Lumakras for advanced solid tumors with KRASG12C mutations.

In addition to the layoffs and downsizing announced last week during earnings, BridgeBio said it wants to license six programs: two clinical-stage drugs, two preclinical AAV gene therapies and two other trial assets. pre-humans.

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Answers to common pet fostering questions https://hsmcohio.com/answers-to-common-pet-fostering-questions/ Tue, 10 May 2022 22:16:24 +0000 https://hsmcohio.com/answers-to-common-pet-fostering-questions/ Animal shelters serve as temporary resting places for animals that are between houses. The purpose of shelters is to provide food and a safe environment for abandoned or lost animals until they can be reunited with their owners or adopted by new families. The ASPCA reports that approximately 6.3 million pets enter U.S. shelters each […]]]>
Animal shelters serve as temporary resting places for animals that are between houses. The purpose of shelters is to provide food and a safe environment for abandoned or lost animals until they can be reunited with their owners or adopted by new families.

The ASPCA reports that approximately 6.3 million pets enter U.S. shelters each year, with a nearly even split between dogs and cats. While the number of pets in shelters has been declining since 2011, many shelters simply cannot accommodate too many animals. In many cases, shelters rely on foster families for pets.

What is animal care?

Pet fostering is the commitment of an individual to care for a pet in need in their private residence until the animal is placed in a new forever home. Often times, shelters ask adoptive parents to step in and foster puppies to provide early socialization and training to acclimate these young animals to life in foster homes.

Who pays the hosting costs?

The issue of funding for foster care depends on the organization you are working with. Most shelters or rescue organizations will cover at least some of the costs for supplies and medical care. However, this is not always the case. It is important that prospective foster parents understand the commitment required by the foster family before enrolling.

What are the benefits of foster care for those affected?

While there are many benefits for the pet, including a less stressful and calm environment, people also get something out of foster care. Foster families can bring love and affection to an animal in need. It can be rewarding to do something selfless and teach everyone in the house compassion. Since having a pet is a big responsibility, adopting a pet also serves as an introductory lesson for anyone considering becoming a permanent pet parent. When you adopt a pet, everyone in the household can see the daily chores that pet ownership entails.

How long is the reception period?

The ASPCA says time commitments for the promotion may vary. Sometimes it can be a matter of weeks or months, depending on the foster program and the animal’s situation.

What are common expectations?

A welcome program will explain their specific expectations. These can include training pets to urinate outdoors or in a litter box. Foster parents can be expected to teach a dog to rest in its crate or give it basic commands.

Who can I contact?

The Great Pet Care animal care resource says municipal shelters, nonprofit shelters, and nonprofit animal rescue groups typically have placement programs. Rescue groups tend to have more time and resources to provide temporary pet parents with more compatible animal matches.

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Demolition of South Moorhead Days Inn and Courtney’s Comedy Club to make way for Compass Apartments – InForum https://hsmcohio.com/demolition-of-south-moorhead-days-inn-and-courtneys-comedy-club-to-make-way-for-compass-apartments-inforum/ Sun, 08 May 2022 12:25:00 +0000 https://hsmcohio.com/demolition-of-south-moorhead-days-inn-and-courtneys-comedy-club-to-make-way-for-compass-apartments-inforum/ MOORHEAD – The walls of the long-vacant Moorhead Days Inn and former Courtney’s Comedy Club are crumbling to make way for a four-story apartment complex. West Fargo-based Enclave Companies is preparing the site at 600 30th Ave. S. for Compass Apartments, a four-story, 204-unit multi-family project. An application for a conditional use permit to exceed […]]]>

MOORHEAD – The walls of the long-vacant Moorhead Days Inn and former Courtney’s Comedy Club are crumbling to make way for a four-story apartment complex.

West Fargo-based Enclave Companies is preparing the site at 600 30th Ave. S. for Compass Apartments, a four-story, 204-unit multi-family project.

An application for a conditional use permit to exceed the maximum height requirement for the site is presented to City Council on Monday, May 9.

Council documents indicate that the building would be 52 feet tall. The zoning of this area normally allows for a building 45 feet in height.

In November 2021, the city council approved a zoning change to allow market-priced apartments to be built on the site.

In December, the board approved more than $5 million in additional funding for the project, as well as an initial loan of $600,000 with interest to help with demolition costs.

Construction is expected to be completed by December 31, 2023, according to documents related to the TIF application.

The old hotel was built in 1970 as a hotel and convention center. It has been vacant since 2017. Planning Commission documents indicate that the vacant building has been the scene of police disturbances in the past, and redevelopment of the building has proven difficult for the previous owners.

Enclave acquired the property at auction. Demolition at the site began in mid-April, according to Enclave’s Facebook page.

Enclave Development’s 130-unit building, The Emery at Southmoor, is under construction on Saturday, May 7, 2022, at Ninth Street and 30th Avenue South, Moorhead.

Michael Vosburg/The Forum

Enclave is also undergoing a housing and retail makeover directly east of the Days Inn site, across Eighth Street South.

The developer is constructing the $17 million four-story, 130-unit apartment building called The Emery at Southmoor. The project also involves around $6.5 million for the remodeling of the 1970s Southmoor Plaza shopping center into Southmoor Square.

Forty percent of The Emery’s apartments are supposed to be for low-income residents. The resort will include a golf simulator, club room, pet spa, and yoga and fitness studios.

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Capital Square Acquires Class A Multi-Family Houston Community for DST Offering https://hsmcohio.com/capital-square-acquires-class-a-multi-family-houston-community-for-dst-offering/ Thu, 05 May 2022 12:00:00 +0000 https://hsmcohio.com/capital-square-acquires-class-a-multi-family-houston-community-for-dst-offering/ The acquisition is on behalf of a Delaware offering of statutory investment in trust which aims to increase $56.5 million in equity from accredited investors HOUSTON, May 5, 2022 /PRNewswire/ — capital squareone of the nation’s leading sponsors of tax-efficient real estate investments and an active developer of mixed-use multi-family communities, today announced the acquisition […]]]>

The acquisition is on behalf of a Delaware offering of statutory investment in trust which aims to increase $56.5 million in equity from accredited investors

HOUSTON, May 5, 2022 /PRNewswire/ — capital squareone of the nation’s leading sponsors of tax-efficient real estate investments and an active developer of mixed-use multi-family communities, today announced the acquisition of a 304-unit Class A multi-family community at Houston, TX. The community, developed by Wood Partners, LLC, was acquired on behalf of CS1031 Houston Apartments, DST, a Delaware offering of statutory trust for exchange of section 1031 and other investors (in cash).

“Capital Square sponsors the nation’s highest quality, newly constructed Class A apartment communities for the DST/1031 investment program,” said Louis Roger, founder and CEO of Capital Square. “CS1031 Houston Apartments is DST’s latest offering that sets the highest standards with unparalleled amenities and best-in-class quality.”

Located at 3623 W Alabama St., Houston Apartments offers studio, one-, two-, and three-bedroom units with best-in-class finishes. Community amenities include: a resort-style swimming pool with a sun deck; 24-hour state-of-the-art fitness center; sky lounge, with a kitchen, pinball machine, and outdoor seating with a fireplace; conceptual coworking spaces; pet spa; courtyard with outdoor lounge and fountain; and a club area with HDTVs, a pool table, lounge seating, and an entertainment kitchen.

Houston Apartments sits in the middle of some of the city’s wealthiest neighborhoods. According to CoStar, the average annual household income within a three-mile radius of the property exceeds $163,000while the property submarket has seen solid year-over-year rental growth of around 9.5% since the start of 2021.

The property is within five miles of several retailers, restaurants and entertainment venues. It is also close to highways 610 and 69, allowing residents easy access to Greater Houston and the surrounding region.

“Houston Apartments is an amenity-rich, luxury, multi-family community located in the middle of one of from Houston the most exclusive neighborhoods where there is high demand for apartments,” said Whitson Huffman, Chief Strategy and Investment Officer. “The property is ideal for affluent professionals who thrive on city living and the high-end shopping, dining and cultural amenities that are provided in larger cities. to like Houston.”

Home to 24 Fortune 500 companies and NASA’s Johnson Space Center, Houston is a thriving economic center and the unofficial capital of the United States oil and natural gas industry. Already the fourth most populous city in the country, Houston continues to experience rapid growth, with its population increasing by almost 10% between 2010 and 2020, according to the US Census Bureau.

CS1031 Houston Apartments, DST looking to increase $56.5 million in equity from accredited investors.

Since its inception in 2012, Capital Square has acquired 146 real estate assets for more than 5,000 investors seeking quality replacement properties eligible for tax deferral under Section 1031 of the Internal Revenue Code and other investors seeking stable cash flow and capital appreciation.

About Capital Square
Capital Square is a national real estate company specializing in tax-efficient real estate investments, including Delaware statutory trusts for Section 1031 exchanges, qualifying opportunity zone funds for tax deferral and exclusion, and a real estate investment trust (REIT). In recent years, the company has become an active developer of multi-family, mixed-use properties in the Southeastern United States, with eight ongoing projects totaling approximately 2,000 apartments with a total development cost of more than $600 million. Since 2012, Capital Square has achieved over $5.6 billion in transaction volume. Capital Square related entities provide a range of services, including due diligence, acquisition, loan sourcing, property/asset management and disposition, for a growing number of high net worth investors, capital companies -investment, family offices and institutional investors. Since 2017, Capital Square has been recognized by Inc. 5000 as one of the nation’s fastest growing companies for four consecutive years. In 2017, 2018 and 2020, the company was also ranked on Richmond BizSense’s list of fastest growing companies. Additionally, Capital Square has been listed by Virginia Business on their “Best Workplaces in Virginiain 2019 and their “Fantastic 50” reports in 2019 and 2020. To learn more, visit www.CapitalSq.com.

Disclaimer: Securities offered by WealthForge Securities, LLC, Member FINRA/SIPC. Capital Square and WealthForge Securities, LLC are separate entities. There are significant risks associated with investing in DST properties and real estate securities, including illiquidity, tenant vacancies, general market conditions and competition, lack of operating history, risk interest rate fluctuations, the risk of new offerings coming to market and rental rates decreasing, general risks of owning/operating commercial and multi-family properties, short-term leases associated with multi-family properties, financing risks, potential adverse tax consequences, general economic risks, development risks, long holding periods and the potential loss of all investment capital. Past performance is not indicative of future results. Potential cash flows, returns and appreciation are not guaranteed. IRC Section 1031 is a complex tax concept; consult your legal or tax advisor regarding the specifics of your particular situation. This is not a solicitation or an offer to see any securities. Please read the Private Placement Memorandum (PPM) in its entirety, paying particular attention to the risk section before investing. Diversification does not guarantee profits or protect against losses. Private placements are speculative.

Contact:
Jill Swartz
Featured marketing communications
949.427.1389
[email protected]

SOURCE Capital Square

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SJM (OTCMKTS:SJMHF) vs. DNB Bank ASA (OTCMKTS:DNBBY) Critical Contrast https://hsmcohio.com/sjm-otcmktssjmhf-vs-dnb-bank-asa-otcmktsdnbby-critical-contrast/ Sat, 30 Apr 2022 10:14:12 +0000 https://hsmcohio.com/sjm-otcmktssjmhf-vs-dnb-bank-asa-otcmktsdnbby-critical-contrast/ DNB Bank ASA (OTCMKTS: DNBBY – Get a rating) and SJM (OTCMKTS: SJMHF – Get a rating) are both finance companies, but which company is superior? We’ll compare the two companies based on their dividend strength, institutional ownership, valuation, profitability, analyst recommendations, earnings and risk. Profitability This table compares the net margins, return on equity […]]]>

DNB Bank ASA (OTCMKTS: DNBBYGet a rating) and SJM (OTCMKTS: SJMHFGet a rating) are both finance companies, but which company is superior? We’ll compare the two companies based on their dividend strength, institutional ownership, valuation, profitability, analyst recommendations, earnings and risk.

Profitability

This table compares the net margins, return on equity and return on assets of DNB Bank ASA and SJM.

Net margins Return on equity return on assets
DNB Bank ASA 39.63% 10.10% 0.82%
SJM N / A N / A N / A

Analyst Notes

This is a summary of recent ratings and recommendations for DNB Bank ASA and SJM, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
DNB Bank ASA 1 3 5 0 2.44
SJM 0 0 0 0 N / A

DNB Bank ASA currently has a consensus target price of $201.67, suggesting a potential upside of 936.85%. Considering the likely higher upside of DNB Bank ASA, research analysts clearly believe that DNB Bank ASA is more favorable than SJM.

Risk and Volatility

DNB Bank ASA has a beta of 1.38, which means its stock price is 38% more volatile than the S&P 500. Comparatively, SJM has a beta of 1.15, which means its stock price is 15% more volatile than the S&P 500.

Valuation and benefits

This table compares the gross revenue, earnings per share (EPS) and valuation of DNB Bank ASA and SJM.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
DNB Bank ASA $7.12 billion 4.23 $2.95 billion $1.82 10.69
SJM $967.83 million 2.34 -$389.91 million N / A N / A

DNB Bank ASA has higher revenue and profit than SJM.

Institutional and Insider Ownership

0.1% of DNB Bank ASA shares are held by institutional investors. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.

Summary

DNB Bank ASA beats SJM on 10 of the 10 factors compared between the two stocks.

DNB Bank ASA Company Profile (Get a rating)

DNB Bank ASA provides financial services to individuals and businesses in Norway and internationally. The Company offers personal banking products and services, including savings and investment products; loans, such as home loans and car and consumer loans; pet, home and property, travel and personal insurance products, as well as vehicle insurance products; retirement savings products; foreign exchange and treasury activities; and internet and mobile banking, as well as cards. It also provides corporate banking products and services comprising savings and investment products consisting of savings accounts, fixed rate deposits, exchange-traded products, bonds and commercial paper, management equity assets and services; financing, such as installment loans, overdraft facilities, bank guarantees, leasing, factoring, and trade and export finance services; transaction banking services; research, commodities, bonds and commercial paper, corporate finance, debt capital market, equities, foreign exchange and interest rates, and securities services; and Internet services, including online stock trading, online currency trading, electronic confirmation, stock execution, and investor and margin accounts, and retirement services. In addition, the Company provides investment banking services, such as mergers and acquisitions, and equity and debt capital markets services; foreign exchange, interest rate, equity, commodity, fixed income, research, private equity and securities services; and business banking. In addition, it offers private banking services. The company offers its products and services to various sectors, including energy; financial institutions; Health care; manufacturing; packaging and forest products; Seafood; shipping, offshore and logistics; and telecommunications, media and technology. DNB Bank ASA was founded in 1822 and is headquartered in Oslo, Norway.

SJM Company Profile (Get a rating)

SJM logoSJM Holdings Limited, an investment holding company, develops and operates casinos and related facilities in Macau, Hong Kong and overseas. It works through game operations; and the hotel, restaurant and retail sectors. The Game Operations segment is engaged in VIP games, table games for the mass market, slot machines and other game operations, as well as satellite casinos. As of December 31, 2020, it operated 20 casinos comprising approximately 1,095 gaming tables and 1,247 slot machines. The Hotel, Restaurant and Retail segment operates a hotel; and offers catering, retail and related services. SJM Holdings Limited also provides services in marketing and promotion, property development, casino operations management, dredging, gaming promotion, human resources and project management, catering and hospitality, as well as property and securities holding services. The company was incorporated in 2006 and is based in Central, Hong Kong. SJM Holdings Limited is a subsidiary of Sociedade de Turismo e Diversões de Macau, SA



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🌱 A friendly toast helps Ukraine + Graham Design Award + Balsams Road https://hsmcohio.com/%f0%9f%8c%b1-a-friendly-toast-helps-ukraine-graham-design-award-balsams-road/ Thu, 28 Apr 2022 15:42:53 +0000 https://hsmcohio.com/%f0%9f%8c%b1-a-friendly-toast-helps-ukraine-graham-design-award-balsams-road/ Hello Bedford! Let’s start today with everything you need to know in Bedford. First, today’s weather forecast: A partly cloudy day, with winds gradually easing. High: 51 Low: 39. Congratulations to our main local sponsors: Looking to grow your small business? Terzakis & Associates has been helping small business owners grow and succeed for over […]]]>

Hello Bedford! Let’s start today with everything you need to know in Bedford.


First, today’s weather forecast:

A partly cloudy day, with winds gradually easing. High: 51 Low: 39.


Congratulations to our main local sponsors:

  • Looking to grow your small business? Terzakis & Associates has been helping small business owners grow and succeed for over 20 years through small business consulting and coaching services. Whether you run a family business, a medical or legal practice, or offer professional services like investing or accounting, Terzakis & Associates can help you with strategy and tactics to thrive — not just survive. Book a free half-hour consultation here to learn more.
  • Attention Bedford pet owners! Did you know that Bedford has a new pet store with a large selection of high-quality pet food and supplies, a full-service grooming salon, self-service pet wash, pet boarding and even a dog bakery!?! Pet Friendly on Colby Ct. is a local, family-run business – and their passion is your pets. Meet up with your furry friend today or learn more here.
  • Looking to buy or sell a luxury property in the Bedford area? Marianna Vis of Four Seasons Sotheby’s International Realty has over two decades of experience connecting buyers and sellers of luxury properties in southern New Hampshire. With over 1000 homes sold and over 150 5 star customer reviews, Marianna consistently delivers results. For a free market valuation and staging consultation, email Marianna today at vis@nhmoves.com.

Click here to feature your business in this spot.


Here are today’s top Bedford stories:

  1. A cry to Kacey Graham of Boehm Graham Interior Design of Bedford. Kacey was named top interior designer for a Bedford project at New Hampshire Home’s Best Residential Designs of the Year for 2022. A reception was held on Wednesday April 20 at LaBelle Winery in Derry. Erica Thoitseditor of New Hampshire Home said they were impressed by the creative talent of New Hampshire designers, builders and architects. (The daily sun of Laconia)
  2. North Country Legislators and Balsams Resort advocates urge House Finance Committee to finance the national road upgrade between the former Balsams Resort and Golf Course, Representative John Graham, R-Bedfordthe chairman of the House Public Works and Highways Committee, said the $4.1 million road improvement is not part of the state’s ten-year road improvement plan. The redevelopment of the once-popular luxury resort by Les Otten is now close to finalizing funding which had been delayed. (InDepthNH.org)
  3. The friendly toast will donate $100o to the World Central Cuisinean organization providing hot meals to Ukrainianss that have been moved from their homes by the Russian invasion. The breakfast and lunch restaurant, which has eight locations from Vermont and New Hampshire to Massachusetts, will also donate $2 for every seasonal special sold. the Friendly toast in Bedford The restaurant is on Market and Main, next to Whole Foods Market and Trader Joe’s. (The business journal)

From our sponsor:

Today’s newsletter is brought to you in part by Ring, a partner of the Patch brand. Doing spring cleaning chores? Why not also refresh your home security. Secure windows, doors and more with up to $80 off select Pro Alarm Kits. Don’t wait, deals end 5/1 at 9:00 PM PST.


Today in Bedford:

  • Craftsmen’s Guild Annual Spring Fair. (10am)
  • Family Fun Pick-Your-Project Workshop. (6 p.m.)

From my notebook:

  • Who is Hiring in Bedford and Area: New jobs this week. (Bedford crest)
  • Events in the Bedford area: See what’s coming this week. (Bedford crest)
  • Girl Scouts of the Green and White Mountains: “We are looking for presenters for Farnsworth Weekend!” (Facebook)
  • Bedford Athletic Club: “The little kid’s winter futsal training was a huge success! Thanks to the dedicated players, parents and coaches.” (Facebook)
  • Bedford NH Public Library: “Pixies and Pirates Party! Put on your pixie wings and pirate hats and join us on the library lawn on Saturday, May 14 at 10:30 a.m. Click the link in bio to register.” (Facebook)
  • Brian Nolen, neighboring post: “Longtime Bedford resident John Fitzgerald and I are gearing up for our 2nd 3-week private humanitarian mission to the Polish-Ukrainian border. We’ve launched our 2nd GoFundMe page…” (Patch)

More from our sponsors – please support the local news!

Events:

  • Bedford 4 Ukraine – DIRECT GIVING! (April 30)
  • CMC Retirement Seminar. (May 3)
  • OPEN HOUSE: The Harkness House, new private college in Nashua. (May 5)
  • April showers bring May Craft & Artisan Show flowers. (May 7)
  • Hire a pro to tackle mom’s to-do list. (May 8)
  • Add your event

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Do you like the Bedford Daily? Here are all the ways you can get more involved:


Thanks for following and staying informed! I will see you again soon.

Paula Constance

About me: I am a freelance writer, author and media producer. I am engaged in media projects that empower, engage and help make the world a better place.

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Analyst Updated EPS Estimates for April 22 (BSFC, CATC, CHUY, CSTL, CXDO, CZWI, DDL, DNAY, DNBBY, DNLMY) https://hsmcohio.com/analyst-updated-eps-estimates-for-april-22-bsfc-catc-chuy-cstl-cxdo-czwi-ddl-dnay-dnbby-dnlmy/ Sat, 23 Apr 2022 01:45:04 +0000 https://hsmcohio.com/analyst-updated-eps-estimates-for-april-22-bsfc-catc-chuy-cstl-cxdo-czwi-ddl-dnay-dnbby-dnlmy/ Analysts’ updated EPS estimates for Friday, April 22: Blue Star Foods (OTCMKTS: BSFC) was downgraded by analysts from Zacks Investment Research from a hold price to a sell price. According to Zacks, “Blue Star Foods Corp. is an integrated ESG seafood company that processes, packages and sells seafood products. Blue Star Foods Corp. is based […]]]>

Analysts’ updated EPS estimates for Friday, April 22:

Blue Star Foods (OTCMKTS: BSFC) was downgraded by analysts from Zacks Investment Research from a hold price to a sell price. According to Zacks, “Blue Star Foods Corp. is an integrated ESG seafood company that processes, packages and sells seafood products. Blue Star Foods Corp. is based in Miami, Florida. “

Cambridge Bancorp (NASDAQ:CATC) has been updated by analysts at Zacks Investment Research from a hold rating to a buy rating. They currently have a target price of $98.00 on the stock. According to Zacks, “Cambridge Bancorp, headquartered in Cambridge, Massachusetts, operates as a holding company of Cambridge Trust Company, which primarily offers various banking services. Its personal banking services include checking and savings accounts, ATM/debit cards, mortgages and home equity, credit cards, personal loans, certificates of deposit and account options. individual pensions, and online banking. The Company’s commercial lending business includes business credit reserve, working capital line of credit, term loans, commercial mortgage loans, SBA guaranteed loans, letters of credit and secured loans. . Cambridge Bancorp also provides commercial real estate, cash management, remote deposit capture, merchant services, healthcare professional programs and credit cards. In addition, it provides investment management, trust administration, estate settlement and financial planning services. “

Chuy’s (NASDAQ:CHUY) was downgraded by analysts from Zacks Investment Research from a hold price to a sell price. According to Zacks, “Chuy’s Holdings, Inc. owns and operates full-service restaurants serving a distinct menu of authentic Mexican cuisine. The company offers a menu that includes appetizers, soups and salads, tacos, burritos, enchiladas, fajitas, and combo dishes. It operates chains across Texas, Alabama, Indiana, Kentucky and Tennessee. Chuy’s Holdings, Inc. is headquartered in Austin, Texas. ”

Castle Biosciences (NASDAQ:CSTL) has been updated by analysts at Zacks Investment Research from a sell note to a hold note. According to Zacks, “Castle Biosciences Inc. is a commercial-stage skin cancer company. It aims to provide physicians and patients with clinically actionable genomic information. Castle Biosciences Inc. is based in Texas, USA. “

Crexendo (NASDAQ:CXDO) has been updated by analysts at Zacks Investment Research from a strong sell rating to a hold rating. According to Zacks, “Crexendo, Inc. is a provider of Unified Communications as a Service (UCaaS), Call Center as a Service (CCaaS), communications platform software solutions, and collaboration services designed to deliver enterprise-class cloud communications solutions to all sizes of businesses through their business partners, agents, and direct channels.”

Citizens Community Bancorp (NASDAQ:CZWI) has been updated by analysts at Zacks Investment Research from a sell note to a hold note. According to Zacks, “Citizens Community Bancorp, Inc. operates as the holding company of Citizens Community Federal which offers various financial services. Its business is to attract deposits from the general public and invest those deposits in residential and consumer loans. It offers various deposit products, including checking accounts, savings accounts, current accounts, certificates of deposit and money market accounts. The Company’s real estate loans include first mortgages for one to four families, second mortgages and home equity lines of credit, as well as multifamily and commercial loans; and consumer loans include new and used automobile, motorcycle, boat and recreational vehicle loans. It also offers loans secured by savings deposits; and unsecured loans. Based in Eau Claire, Wis., the company operates full-service banking offices in Wisconsin, Minnesota and Michigan. “

Dingdong (Caymans) (NYSE: DDL) was downgraded by analysts from Zacks Investment Research from a buy rating to a hold rating. According to Zacks, “Dingdong (Cayman) Limited is an on-demand e-commerce company primarily in China. It provides users with fresh produce, meat and seafood, and other daily necessities. Dingdong (Cayman) Limited is based in SHANGHAI. “

Codex DNA (NASDAQ:DNAY) was downgraded by analysts from Zacks Investment Research from a hold price to a sell price. According to Zacks, “Codex DNA Inc. is a creator of the BioXp(TM) system, a fully automated benchtop instrument that enables many synthetic biology workflows. Codex DNA Inc. is based in SAN DIEGO. “

DNB Bank ASA (OTCMKTS: DNBBY) has been updated by analysts at Zacks Investment Research from a sell note to a hold note. According to Zacks, “DNB ASA is a commercial bank that provides banking products and services to individuals and businesses, primarily in Norway and abroad. The company offers savings and investment products, loans, advisory investment banking, financing services, insurance products, foreign exchange, cash management, payment and pension services as well as card services, advisory services and real estate brokerage. head office in Oslo, Norway.”

Dunelm Group (OTCMKTS: DNLMY) has been updated by analysts at Zacks Investment Research from a sell note to a hold note. According to Zacks, “Dunelm Group Plc. supplies household items primarily in the UK. The Company retails textile products as well as other household items such as lighting products, pet supplies and sewing machines. Dunelm Group Plc. is based in Syston, UK. “

Krispy Kreme (NASDAQ:DNUT) was downgraded by analysts from Zacks Investment Research from a hold price to a sell price. According to Zacks, “Krispy Kreme Inc., together with its subsidiaries, operates as a brand name retailer and wholesaler of donuts, coffee and other complementary beverages, candies and packaged candies. The Company’s operating segments include company stores, national franchise, international franchise and KK supply chain. Krispy Kreme Inc. is based in North Carolina, USA.”

Doximity (NASDAQ:DOCS) was downgraded by analysts from Zacks Investment Research from a hold price to a sell price. According to Zacks, “Doximity Inc. provides a digital platform for healthcare professionals. Members of the Society‘s network include physicians from all specialties and practice areas. It provides its verified clinical members with digital tools designed for medicine, allowing them to collaborate with colleagues, stay up to date with the latest medical news and research, manage their careers, and conduct virtual patient visits. Doximity Inc. is based in SAN FRANCISCO. “

DiamondRock Hospitality (NYSE: HRD) was downgraded by analysts from Zacks Investment Research from a buy rating to a hold rating. According to Zacks, “DiamondRock Hospitality Company is a self-administered real estate company that owns, acquires, and invests in high-end, high-end hotel properties located primarily in North America. To a lesser extent, it may invest, selectively , at high-end limited-service and extended-stay hotel properties in urban areas. The Company has a strategic sourcing relationship with Marriott International.”



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Reviews | Massachusetts pet rental regulations point to inhumane practice https://hsmcohio.com/reviews-massachusetts-pet-rental-regulations-point-to-inhumane-practice/ Fri, 22 Apr 2022 18:16:21 +0000 https://hsmcohio.com/reviews-massachusetts-pet-rental-regulations-point-to-inhumane-practice/ Placeholder while loading article actions Why the hell would anyone want to rent a pet? The answer, of course, is that hardly anyone wanna rent his pet. Yet last week the state of Massachusetts reached a nearly $1 million settlement with a financial services company that the attorney general’s office said rented dogs in violation […]]]>
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Why the hell would anyone want to rent a pet?

The answer, of course, is that hardly anyone wanna rent his pet.

Yet last week the state of Massachusetts reached a nearly $1 million settlement with a financial services company that the attorney general’s office said rented dogs in violation of state law, in cases involving hundreds of people.

First, some background: In addition to Massachusetts, seven other states (California, Connecticut, Indiana, Nevada, New Jersey, New York, and Washington) have adopted bans on pet rentals since 2017. According to the American Society for the Prevention of Cruelty to Animals (ASPCA), another state, Illinois, has broader restrictions on funding pet sales .

That leaves whole swaths of the country where it’s legal to rent Lassie, just like you might rent a car.

The ethical quagmire of rented pets intersects with our hypercapitalist society’s consumer protection shortcomings – meaning that if there’s money to be made, someone will try, and the company just might be legal, even if it means threatening the repo man on Rover with sic.

People typically acquire pet dogs or cats by adopting them from a shelter or rescue group, usually for a nominal fee, or by purchasing them from a pet store or breeder. These latter acquisitions are often puppies or kittens, and with dogs often purebreds or designer pooches, such as doodle dogs. These types of pet purchases can cost thousands of dollars.

Renting pets is a bad idea of ​​buying. The practice was born about ten years ago – a twist on subprime borrowing for people with bad credit and little money who fell so in love with the puppy in the window they weren’t inclined to read the fine print about Spot’s “funding” .

A common issue is consumer consent. According to American Pet Products Association, 9% of dogs and 8% of cats are purchased from pet stores. Some retailers – the number of which is unclear, as there are no official statistics – offer people a “financing” strategy which is not really a high-rate loan but a lease. Many buyers don’t realize they are renting until there is a problem. In other words, these practices are often misleading.

Technically, a pet lease is not much different from a car lease. Under such agreements, borrowers do not become owners until all payments have been made (and a final lump sum payment is typical). If you don’t pay the monthly tab, the property – or the “product”, as some contracts describe the animals – can be repossessed.

These leases are usually not cheap. Because a lease is not a credit agreement, it may not be subject to state laws that cap interest rates. People can end up paying two to three times the original price for the animal over the life of the contract, sometimes more. It’s predatory.

But the basic moral problem is that the animal’s human companion does not have complete control over the animal.

Owning a pet can seem and be complicated. Radical animal rights and protection groups pushed several years ago to replace references such as “owner” of the animal with expressions such as “dog sitters”. It didn’t really catch on, partly because the terminology defied reality. You could call Fifi or Fido a companion, your daughter or sonor even your “favorite childbut according to the law, a domestic cat or dog, no matter how loved, is considered property. Considering that you are a relative or tutor does not alter this fundamental fact.

This is the legal and emotional ground that renting pets exploits.

The ASPCA said this week it was not aware of any cases in which a pet had been seized for non-payment. (Jennie Lintz, director of the ASPCA’s Puppy Mill Initiative, told me in an email, “It’s not clear that these companies really want to try to resell a three-year-old dog. .”) However many Pet owners have gone public with bill collectors threatening to get their beloved pooch back unless they hand over the money.

It is financial exploitation and emotional abuse of people and their pets.

When I contacted Monterey Financial Services LLC, the California-based company that recently settled with Massachusetts, a spokesperson denied wrongdoing and said the company had simply “walked away from the problem to better serve our customers”. He has “never repossessed…or threatened to repossess a pet,” the company added.

The Massachusetts settlement included an agreement to transfer full ownership of the dogs involved to hundreds of state residents. It is a step in the right direction. But no business, in any state, should be able to financially squeeze a pet because of a credit dispute. Not only should other states ban pet rental, but Congress should also restrict the practice.

Yes, dogs and cats are property, but they are also living, breathing creatures. Man’s best friend deserves better.

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